diff --git a/templates/walletform.html b/templates/walletform.html
index 71b30c6..f120791 100644
--- a/templates/walletform.html
+++ b/templates/walletform.html
@@ -52,7 +52,11 @@
{% if create %}
This online wallet does not yet exist.
-
It will be created and initialised automatically when you upload a file.
+ {% if user.username %}
+
It will be created and initialised automatically when you upload a file.
+ {% else %}
+
It will be created and initialised automatically when you upload a file, but you need to log on first.
+ {% endif %}
{% endif %}